“Can a European refurbished-electronics marketplace become the embedded finance hub for a circular-economy supply chain?”
Founded in 2017 by three Austrian founders as a marketplace for refurbished consumer electronics in DACH, Refurbed has scaled to 30+ European countries with ~300 employees and $120M+ revenue. The company has gradually layered embedded finance onto the marketplace: Stripe + Klarna for checkout, a branded 'refurbed Plus' device-protection insurance product, and in 2024 an embedded seller-financing offering via Banxware — turning the marketplace into a financial-services hub for both buyers and refurbisher sellers.
Refurbed's lending and capital products are provided by Banxware and Klarna.
The Embedded Finance Index 2026 maps 2 layers in Refurbed's stack: Payments / PSP (Stripe and Klarna); Lending (Banxware and Klarna).
Refurbed was founded by Jürgen Riedl, Kilian Kaminski and Peter Windischhofer and is founded in 2017, headquartered in Vienna, Austria.
Refurbed has raised $130M+ in total (latest round: Series C).
Get a read on where your own stack stands against Refurbed and the rest of its category — what they built versus bought, which providers they use, and where the gaps in your own strategy and competitive set actually are.